| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW JERSEY, INC. | $16K | $0 | $16K | 4.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.17% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.26% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $182 | $0 | $182 | 0.34% |
| TIMOTHY MCANDREWS3 | 5483 MARINE AVENUE LAWNDALE, CA 90260 | AFLAC | $4K | $253 | $4K | 11.59% |
| KIRSIS EUNICE MCANDREWS3 Filed as: KIRSIS MCANDREWS | 5486 MARINE AVENUE LAWNDALE, CA 90260 | AFLAC | $1K | $0 | $1K | 3.73% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $646 | $48 | $694 | 1.91% |
| MJ INSURANCE3 Filed as: DANIEL VERDUN AND VARIOUS AGENTS | 43 HANCOCK DRIVE MORRISTOWN, NJ 07960 | AFLAC | $402 | $0 | $402 | 1.11% |
| THERESA HEYMANN3 | 77 MAIN STREET BLOOMSBURY, NJ 08804 | AFLAC | $299 | $21 | $320 | 0.88% |
| AFFINITY FINANCIAL SERVICES, LLC3 Filed as: AFFINITY FINANCIAL SERVICES LLC | 73 MOUNTAINVIEW BOULEVARD BASKING RIDGE, NJ 07920 | AFLAC | $225 | $0 | $225 | 0.62% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46, SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $144 | $0 | $144 | 0.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 445 SOUTH STREET MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $406 | $7K | 27.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $475 | $0 | $475 | 1.91% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $111 | $0 | $111 | 0.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 445 SOUTH STREET MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $188 | $3K | 20.45% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $491 | $0 | $491 | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. LLC | PO BOX 310502 DES MOINES, IA 50331 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $491 | $0 | $491 | 7.66% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $150 | $0 | $150 | 2.34% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 962 | $437K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 458 | $89K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 501 | $284K |
| Short-term disability | AFLAC | 44 | $36K |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 501 | $288K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 501 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.